Mrs. McCulloch was born Margaret Lynn Putman on July 25, 1924, in Purdon to Edgar L. and Eva C. Putman. She was married to Eber John Neely from 1947 until his death in 1958. She then was married to Joseph Lawrence McCulloch from 1960 until his death in 1975.

Survivors include two sons, Nuane N. Neely and wife Genie of Roswell, Ga., and Joseph R. McCulloch and wife Sherri of Phoenix; four grandchildren, Niclaire and Kyle Neely of Roswell, Ga., and Emily and Matthew McCulloch of Phoenix; and a brother, Clark Putman of Navarro Mills.